Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) (PDF 1.4MB)
Effective for policies with a start date in between 01/10/21 and 18/03/24.
Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) (PDF 1.4MB)
Effective for policies with a start date in between 01/04/21 and 30/09/21.
Effective for policies with a start date in between 18/05/20 and 31/03/21.
Combined PDS and Financial Services Guide (PDF 421KB)
Effective for policies with a start date in between 23/03/20 and 17/05/20.
Combined PDS and Policy Document (PDF 396KB)
Effective for policies with a start date in between 1/3/19 and 22/03/20.
Combined PDS and Policy Document (PDF 368KB)
Effective for policies with a start date in between 1/11/18 and 28/02/19.
Combined PDS and Policy Document (PDF 369KB)
Effective for policies with a start date in between 23/07/18 and 31/10/18.
Combined PDS and Policy Document (PDF 362KB)
Effective for policies with a start date in between 24/08/15 and 22/07/18.
Target Market Determination (TMD) (PDF 173kb)
Effective date 09/02/24.
Target Market Determination (TMD) (PDF 173kb)
Effective date 01/10/21.
TAL Direct Financial Services Guide (PDF 151KB)
This FSG outlines important legal information including the services we are authorised to provide.
Preparation date: 1 April 2021
Glossary
Product Disclosure Statement (PDS)
An important legal document that contains the terms and conditions of your cover, including what is and isn’t covered. Read it together with your Certificate of Insurance.
The Certificate of Insurance is confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.
Policy Document
Together with your Certificate of Insurance provides evidence of your insurance with us.
The Certificate of Insurance is confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.
Financial Services Guide
Information about who we are, what financial services we offer, what we charge and how you can make a complaint against us.
Certificate of Insurance
Confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.
Certificate of Insurance
Confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.
Product Disclosure Statement (PDS)
An important legal document that contains the terms and conditions of your cover, including what is and isn’t covered. Read it together with your Certificate of Insurance.
The Certificate of Insurance is confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.
Policy Document
Together with your Certificate of Insurance provides evidence of your insurance with us.
The Certificate of Insurance is confirmation of the insurance cover you purchased, including when it starts and ends, the type of insurance it is, and how much you paid. Sometimes referred to as your ‘Schedule’.
Financial Services Guide
Information about who we are, what financial services we offer, what we charge and how you can make a complaint against us.
